refactor(plan): 完善计划书模板字段配置

- 更新 README.md 文档说明
- 更新 CHANGELOG.md 记录变更
- 优化 CriticalIllnessTemplate 字段配置
- 优化 LifeInsuranceTemplate 字段配置
- 优化 SavingsTemplate 字段配置

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

@@ -58,6 +58,7 @@ pnpm lint
 - ✅ **Schema 驱动** - 储蓄类模板字段由配置驱动渲染与校验
 - ✅ **提交映射下沉** - 提交字段映射从容器迁移到模板配置
 - ✅ **人寿/重疾同步** - 人寿与重疾模板改为 Schema 驱动
+- ✅ **校验提示优化** - 必填提示与百分比校验统一更准确
 
 ### 字段命名优化
 - ✅ **提取方式字段** - 统一将 specified_amount_type 重命名为 withdrawal_method

+#### [2026-02-14] - 计划书必填校验与提示优化
+
+### 修复
+- 计划书模板必填规则统一判断，避免缺失字段未触发校验
+- 必填提示文案按输入/选择类型调整为更准确的提示语
+- 百分比字段空值不再误报校验错误
+
+### 测试
+- pnpm test（通过）
+- pnpm lint（存在历史警告）
+
+---
+
+**详细信息**：
+- **影响文件**: src/components/plan/PlanTemplates/SavingsTemplate.vue, src/components/plan/PlanTemplates/LifeInsuranceTemplate.vue, src/components/plan/PlanTemplates/CriticalIllnessTemplate.vue, README.md
+- **技术栈**: Vue 3, Taro, Vitest
+- **测试状态**: 已通过（lint 有警告）
+- **备注**: 统一必填与提示逻辑，补齐空值校验边界
+
+---
+
 #### [2026-02-14] - 提取字段分组修正
 
 ### 变更

@@ -283,6 +283,27 @@ const onPercentageInput = (value, key) => {
   form[key] = cleaned
 }
 
+const isEmptyValue = (value) => {
+  if (value === null || value === undefined) return true
+  if (typeof value === 'string' && value.trim() === '') return true
+  if (Array.isArray(value) && value.length === 0) return true
+  return false
+}
+
+const getRequiredMessage = (field) => {
+  if (field?.placeholder) return field.placeholder
+  const label = field?.label || '必填信息'
+  const selectTypes = ['radio', 'select', 'date', 'payment_period', 'age']
+  if (selectTypes.includes(field?.type)) {
+    return `请选择${label}`
+  }
+  return `请输入${label}`
+}
+
+const isFieldRequired = (field) => {
+  return field?.required === true || field?.required === undefined
+}
+
 /**
  * 表单校验（基于 Schema）
  * @returns {boolean} 校验是否通过
@@ -295,19 +316,22 @@ const validate = () => {
       continue
     }
 
-    if (field.required) {
+    if (isFieldRequired(field)) {
       const value = form[field.key]
-      if (value === undefined || value === null || value === '') {
-        Taro.showToast({ title: field.label || '请完善必填信息', icon: 'none' })
+      if (isEmptyValue(value)) {
+        Taro.showToast({ title: getRequiredMessage(field), icon: 'none' })
         return false
       }
     }
 
     if (field.type === 'percentage' && isFieldVisible(field.key)) {
-      const percentage = parseFloat(form[field.key])
-      if (Number.isNaN(percentage) || percentage < 0 || percentage > 100) {
-        Taro.showToast({ title: '请输入0-100之间的百分比', icon: 'none' })
-        return false
+      const value = form[field.key]
+      if (!isEmptyValue(value)) {
+        const percentage = parseFloat(value)
+        if (Number.isNaN(percentage) || percentage < 0 || percentage > 100) {
+          Taro.showToast({ title: '请输入0-100之间的百分比', icon: 'none' })
+          return false
+        }
       }
     }
   }

@@ -285,6 +285,27 @@ const onPercentageInput = (value, key) => {
   form[key] = cleaned
 }
 
+const isEmptyValue = (value) => {
+  if (value === null || value === undefined) return true
+  if (typeof value === 'string' && value.trim() === '') return true
+  if (Array.isArray(value) && value.length === 0) return true
+  return false
+}
+
+const getRequiredMessage = (field) => {
+  if (field?.placeholder) return field.placeholder
+  const label = field?.label || '必填信息'
+  const selectTypes = ['radio', 'select', 'date', 'payment_period', 'age']
+  if (selectTypes.includes(field?.type)) {
+    return `请选择${label}`
+  }
+  return `请输入${label}`
+}
+
+const isFieldRequired = (field) => {
+  return field?.required === true || field?.required === undefined
+}
+
 /**
  * 表单校验（基于 Schema）
  * @returns {boolean} 校验是否通过
@@ -297,19 +318,22 @@ const validate = () => {
       continue
     }
 
-    if (field.required) {
+    if (isFieldRequired(field)) {
       const value = form[field.key]
-      if (value === undefined || value === null || value === '') {
-        Taro.showToast({ title: field.label || '请完善必填信息', icon: 'none' })
+      if (isEmptyValue(value)) {
+        Taro.showToast({ title: getRequiredMessage(field), icon: 'none' })
         return false
       }
     }
 
     if (field.type === 'percentage' && isFieldVisible(field.key)) {
-      const percentage = parseFloat(form[field.key])
-      if (Number.isNaN(percentage) || percentage < 0 || percentage > 100) {
-        Taro.showToast({ title: '请输入0-100之间的百分比', icon: 'none' })
-        return false
+      const value = form[field.key]
+      if (!isEmptyValue(value)) {
+        const percentage = parseFloat(value)
+        if (Number.isNaN(percentage) || percentage < 0 || percentage > 100) {
+          Taro.showToast({ title: '请输入0-100之间的百分比', icon: 'none' })
+          return false
+        }
       }
     }
   }

@@ -377,6 +377,27 @@ const onPercentageInput = (value, key) => {
   form[key] = cleaned
 }
 
+const isEmptyValue = (value) => {
+  if (value === null || value === undefined) return true
+  if (typeof value === 'string' && value.trim() === '') return true
+  if (Array.isArray(value) && value.length === 0) return true
+  return false
+}
+
+const getRequiredMessage = (field) => {
+  if (field?.placeholder) return field.placeholder
+  const label = field?.label || '必填信息'
+  const selectTypes = ['radio', 'select', 'date', 'payment_period', 'age']
+  if (selectTypes.includes(field?.type)) {
+    return `请选择${label}`
+  }
+  return `请输入${label}`
+}
+
+const isFieldRequired = (field) => {
+  return field?.required === true || field?.required === undefined
+}
+
 /**
  * 表单校验
  * @returns {boolean} 是否通过校验
@@ -393,19 +414,22 @@ const validate = () => {
       continue
     }
 
-    if (field.required) {
+    if (isFieldRequired(field)) {
       const value = form[field.key]
-      if (value === undefined || value === null || value === '') {
-        Taro.showToast({ title: field.label || '请完善必填信息', icon: 'none' })
+      if (isEmptyValue(value)) {
+        Taro.showToast({ title: getRequiredMessage(field), icon: 'none' })
         return false
       }
     }
 
     if (field.type === 'percentage' && isFieldVisible(field.key)) {
-      const percentage = parseFloat(form[field.key])
-      if (Number.isNaN(percentage) || percentage < 0 || percentage > 100) {
-        Taro.showToast({ title: '请输入0-100之间的百分比', icon: 'none' })
-        return false
+      const value = form[field.key]
+      if (!isEmptyValue(value)) {
+        const percentage = parseFloat(value)
+        if (Number.isNaN(percentage) || percentage < 0 || percentage > 100) {
+          Taro.showToast({ title: '请输入0-100之间的百分比', icon: 'none' })
+          return false
+        }
       }
     }
   }